KR102023310B1 - Method for managing shopping mall linked p2p lending platform and apparatus thereof - Google Patents

Abstract

According to an aspect of the present invention, in order to perform a method of operating a shopping mall linked P2P lending platform, a device of operating the shopping mall linked P2P lending platform may display a shopping mall product which can be linked to a corresponding investment product so as to bring the investment return on the investment product of the P2P lending platform to the shopping benefit of the shopping mall. The device of operating the shopping mall linked P2P lending platform may calculate the financial benefit of shopping for shopping mall products as an investment return index. The device of operating the shopping mall linked P2P lending platform may provide the calculated investment return index as an indicator of investment return of an investor for the investment product.

Description

METHODS FOR MANAGING SHOPPING MALL LINKED P2P LENDING PLATFORM AND APPARATUS THEREOF}

The present invention relates to a method and device for operating a shopping mall linked P2P lending platform, and in detail, the financial benefits of shopping are calculated and expressed as an investment return rate so that an investor's investment returns to a shopping benefit of a shopping mall in a P2P lending platform. Even if the same investment product, the investor's return on investment is related to the shopping mall linked P2P lending platform operating method and device for calculating different values according to the investor's shopping propensity and preference.

In the conventional P2P lending platform, a platform operator opens a funding product that introduces a loan company by opening a site, publishes it on the site, and recruits investors to induce the investor to invest in the opened funding product.

In textbooks, it is advisable to conduct an investment after the investor has carefully determined whether the lender can repay the loans before the investor decides to invest.

In reality, however, it is difficult for investors to obtain information about loan companies.

Therefore, although the investor is somewhat psychologically burdened by not being able to obtain detailed information about the lender, there are cases where the loan interest rate is high and the investor decides to invest.

On the other hand, paying high lending interest adds an unreasonable financial burden to lenders who finance through P2P lending platforms.

However, loan products with low interest rates may have difficulty recruiting investors.

On the other hand, as a platform operator of the P2P lending platform, the platform usage fee from the lender and the platform usage fee from the investor can be used as income sources.

However, the higher the platform fee paid by the platform operator, the greater the interest burden on the lender, and the less profit the investor can take. As a result, platform operators have difficulties to operate the platform despite the low profitability of the P2P lending platform.

Therefore, a loan company that wants to raise funds needs a way to reduce the burden of paying loan interest by enabling financing at a lower interest rate.

In addition, investors need a way to reduce the psychological burden of returning the amount invested, while also providing a high return on investment.

Similarly, the platform operator of the P2P lending platform needs a way to provide additional sources of income in addition to the platform usage fees incurred by lenders or investors.

The problem to be solved by the present invention is to express the financial benefits of shopping as the return on investment so that the investment return of the investor in the P2P lending platform to the shopping benefits of the mall, even if the same investment product, the return on investment of the investor The present invention provides a method and apparatus for operating a shopping mall linked P2P lending platform to calculate different values according to shopping propensity and preference.

Tasks to be solved by the present invention are not limited to the above-mentioned problems, and other tasks not mentioned above may be clearly understood by those skilled in the art to which the embodiments proposed from the following description belong. will be.

In order to perform the shopping mall linked P2P lending platform operating method according to an aspect of the present invention, the shopping mall linked P2P lending platform operating device is the investment so that the investment return on the investment product of the P2P lending platform to the shopping benefits of the shopping mall A shopping mall product that can be linked to the product can be displayed. The shopping mall linked P2P lending platform operating system may calculate the financial benefits of shopping for shopping mall products as an investment return index. The shopping mall linked P2P lending platform operating apparatus may provide the calculated return on investment as an indicator of return on investment of the investment product.

In one embodiment, the shopping mall linked P2P loan platform operating device may receive the shopping propensity and preference information of the investor using the P2P loan platform.

In one embodiment, the shopping mall-linked P2P lending platform operating apparatus may convert the discount rate of the shopping mall product into an investment return rate to provide an calculated investment return indicator and issue an investment return report describing the return on investment.

In an embodiment, the shopping mall linked P2P lending platform operating system analyzes the shopping mall product by referring to the shopping propensity and preference information for each investor to provide the calculated return on investment, and provides the processed shopping mall product information in the form of an investment report. can do.

According to another aspect of the present invention, the shopping mall linked P2P lending platform operating system for operating the shopping mall linked P2P lending platform is a data storage for storing the investment product information of the P2P loan platform, shopping mall product information that can be linked to each investment product information It may comprise a part and a process. In this case, the processor displays a shopping mall product that can be linked to the investment product so as to bring the investment return on the investment product of the P2P lending platform to the shopping benefit of the shopping mall, calculates the financial benefit of shopping for the shopping mall product as the return on investment. In addition, the calculated ROI index may be provided as an ROI index of the investor.

In one embodiment, the processor may receive the shopping propensity and preference information of the investor using the P2P lending platform.

In one embodiment, the processor may issue and provide an ROI report describing the ROI by converting the discount rate of the product into an ROI to provide the calculated ROI.

In one embodiment, the processor may provide shopping mall product information processed in the form of an investment report by analyzing the shopping mall product by referring to shopping propensity and preference information for each investor in order to provide the calculated ROI index.

According to the present invention, the financial benefits of shopping can be calculated and expressed as an investment return rate so that an investment return of an investor can be taken as a shopping benefit of a shopping mall in a P2P lending platform.

Accordingly, even in the case of the same investment product in the P2P lending platform, the investor's return on investment may be calculated by different values according to the investor's shopping tendency and preference.

According to the present invention, lenders that need liquidity of funds and investors who expect profits can be connected through a P2P lending platform.

According to the present invention, it is possible to build a shopping mall that can sell goods of a lending company to connect to the lending company through sales.

According to the present invention, by providing investors with the opportunity to directly purchase or experience the products or services of the lender at a discounted price, it is possible to further trust the lender and further strengthen the trust in the P2P lending platform.

According to the present invention, an investor can bring a shopping benefit greater than a general interest income, along with the interest income that can be obtained by investing in investment products placed on the P2P lending platform.

According to the present invention, the operator of the P2P lending platform to improve the profitability of the conventional P2P lending financial platform operating profit by allowing a part of the revenue generated through the shopping mall in addition to the platform usage fee received from the lending companies and investors. Can be.

According to the present invention, a loan company that uses the P2P loan platform to raise funds, an investor who obtains an investment return by investing in an investment product placed on the P2P loan platform, or a platform operator who operates a P2P loan finance platform As benefits are provided, an ecosystem can be built where all participants can coexist.

1 is a view illustrating a shopping mall linked P2P lending platform operating concept according to an embodiment of the present invention.
2 is a view for explaining a shopping mall linked P2P loan platform operating apparatus according to an embodiment of the present invention.
3 is a view for explaining a shopping mall linked P2P loan platform operating method according to an embodiment of the present invention.
4 is a flowchart illustrating a shopping mall linked P2P loan platform operating method according to an embodiment of the present invention.

As the invention allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the written description. However, this is not intended to limit the present invention to specific embodiments, it should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view illustrating a shopping mall linked P2P lending platform operating concept according to an embodiment of the present invention.

Referring to FIG. 1, a shopping mall linked P2P lending platform operating service according to an embodiment of the present invention may be provided by a P2P lending platform operating company 1.

Here, 'shopping mall linked' does not only operate a P2P lending platform, but also links a shopping mall where participants who participate as lenders and investors in the P2P lending platform can participate together as a shopping mall company and purchaser. To make it work. Therefore, the 'shopping mall linked P2P lending platform' may refer to a P2P lending platform that displays the value of the products purchased by investors in the linked shopping mall as an indicator of the return on investment. Return on investment indicators may include return on investment, for example.

Here, the P2P lending platform operating company 1 is a company operating the P2P lending platform. The P2P lending platform operating company (1) can open a P2P lending platform site, open a funding product that introduces the lender, publish it on the site, and then recruit investors to induce the investor to open the funding product. have.

Here, the P2P lending platform operating company 1 may be a company that directly operates or commissions the online shopping mall 2.

Here, even if the P2P lending platform operating company 1 does not necessarily have the title of an online shopping mall, the P2P lending platform operating company 1 directly operates or commissions an online site that provides tangible product information or intangible product information online. It may be a company that commissions and operates.

Here, the P2P lending platform operating company 1 directly establishes an offline infrastructure such as an offline store 4 or a vehicle 5 to directly provide offline services that provide tangible or intangible product information offline. It may be a company that operates or is entrusted to operate or commissioned.

The offline store (4) includes various offline spaces such as shopping malls, cafes, restaurants, bookstores, theatres, karaoke, gymnasiums, swimming pools, golf courses, sporting goods stores, real estate agents, ski resorts, resorts, lodging companies, amusement parks. Can be.

The vehicle 5 may correspond to various vehicles such as taxis, buses, cars, trains, trains, airplanes, ships, motorcycles, bicycles, drones, quick boards, and segways.

The P2P lending platform operating company (1) can provide tangible or intangible product information to customers using offline stores (4) or vehicles (5) through information delivery media such as QR codes or beacons. have.

For example, the P2P lending platform operating company 1 may provide an access information providing module that provides access information codes for accessing tangible product information or intangible product information to a fixed location of an offline store 4 or a vehicle 5. Can be installed and provided to customers.

For example, the access information providing module may include a QR code display unit, a barcode display unit, a beacon generator, and an RF tag.

However, the present invention is not limited thereto, and various connection information codes may be used in addition to a QR code or a barcode.

Here, tangible goods or intangible goods may include various real estate or real estate. For example, tangible or intangible goods may include various industrial, agricultural, food, and consumer electronics, unlisted stocks, listed stocks, trade receivables, loan bonds, gift certificates, bonds, intellectual property rights, tangible property rights, intangible property rights, performances, and exhibition rights. , Content rights, blog management rights, electronic money, virtual currency, and automobiles.

P2P lending platform operating company (1) to operate the shopping mall linked P2P lending platform according to an embodiment of the present invention online shopping mall to bring the return on investment of the investment product of the P2P lending platform to the shopping benefits of the mall (2) ), A shopping mall product that can be linked to the investment product among the shopping mall products to be sold through the online site 3, the offline store 4, or the transportation means 5 can be displayed.

The P2P lending platform operating company 1 may calculate the monetary benefit of shopping on shopping mall products as an investment return index on the investment products of the P2P lending platform. The P2P lending platform operating company 1 may provide the calculated return on investment indicator as the return on investment indicator of the investor on the investment product.

The P2P lending platform operating company 1 may calculate the comparative advantage that the evaluation score of the shopping mall product has on the evaluation score of the same or similar products as an investment return index.

The P2P lending platform operating company (1) responds to each product sold through an online shopping mall (2), an online site (3), an offline store (4), or a vehicle (5) that can be linked to investment products of the P2P lending platform. The shopping mall product information including the calculated ROI may be provided.

To this end, the P2P lending platform operating company 1 operates a shopping mall linked P2P lending platform including various processors for processing and communicating various data and electronic signals necessary to perform the shopping mall linked P2P lending platform operating process. The device 100 can be constructed.

The shopping mall linked P2P lending platform operating device 100 is a P2P loan for product information of a shopping mall sold in an online shopping mall 2 and an online site 3 to which the information terminal 200 of the investor customer 6 is accessible through a communication network. Can be provided to investors of the platform.

In addition, the shopping mall linked P2P lending platform operating device 100 is a P2P lending platform for product information of the shopping mall sold in the offline store 4 or the vehicle 5 through the information terminal 200 of the investor customer 6. To investors.

2 is a view for explaining a shopping mall linked P2P loan platform operating apparatus according to an embodiment of the present invention. 3 is a view for explaining a shopping mall linked P2P loan platform operating method according to an embodiment of the present invention.

2, the shopping mall linked P2P lending platform operating apparatus 100 according to an exemplary embodiment of the present invention may include a data storage 110 and a processor 120.

The data storage unit 110 may store investment product information of the P2P loan platform and shopping mall product information that can be linked to each investment product information.

The processor 120 displays a shopping mall product that can be linked to the corresponding investment product so that an investment return on the investment product of the P2P lending platform can be taken as a shopping benefit of the shopping mall.

The processor 120 calculates the monetary benefit of shopping for the shopping mall product as the return on investment.

The processor 120 provides the calculated return on investment indicator as the return on investment indicator of the investor for the investment product.

In addition, the processor 120 may receive the shopping propensity and preference information of the investor using the P2P lending platform.

The processor 120 may issue an investment return report describing the return on investment by converting the discount rate of the product to the return on investment in order to provide the calculated return on investment indicator.

The processor 120 may provide shopping mall product information processed in the form of an investment report by analyzing a corresponding shopping mall product by referring to shopping propensity and preference information for each investor in order to provide the calculated ROI index.

The processor 120 may select a shopping mall product for calculating an ROI.

The processor 120 may select the same or similar product to compare with the shopping mall product.

The processor 120 may sequentially select and read a list of preset or requested products in order to select the same or similar products.

The processor 120 may select the same or similar product to be compared with the corresponding shopping mall product through an artificial intelligence engine to select the same or similar product.

The processor 120 may select the same or similar product to be compared with the corresponding shopping mall product through keyword search in order to select the same or similar product.

The processor 120 may select the same or similar product to be compared with the corresponding shopping mall product based on the keyword extracted from the comment through the search for comments online by the artificial intelligence engine to select the same or similar product.

The processor 120 calculates an evaluation score for each evaluation item for the shopping mall product and the same or similar product.

To this end, the processor 120 may set an evaluation item for calculating the ROI index.

Meanwhile, when selecting the same or similar products, the processor 120 may select the same or similar products of the shopping mall product based on the evaluation item.

The processor 120 may calculate a comparative advantage that the evaluation score of the shopping mall product has on the evaluation score of the same or similar product as an investment return index.

The processor 120 provides product information including an investment return index calculated for each product.

Here, the ROI indicator may refer to various information that can express the value of ROI. Therefore, the ROI indicator may be expressed as ROI value information.

For example, ROI indicators may include ROI. For example, the ROI indicator may include a ROI rating. For example, the ROI may be displayed as high, medium, or low. For example, the ROI rating may be expressed as a numerical grade such as first grade or second grade. For example, the ROI rating may be expressed in the form of diamond grade, sapphire grade, platinum grade, gold grade, silver grade.

As the return on investment is provided by the processor 120 in conjunction with the investment product invested by the P2P lending platform for each product of the shopping mall, it is in some sense what value it is to take the return on the investment product through shopping benefits. It can be known numerically whether it has

The processor 120 may enable an investor using a shopping mall linked P2P lending platform to increase goods.

There are two main ways to increase the amount of goods in terms of income and expenditure.

To increase a good, you have to come in more than the amount you are going to see in terms of income, and less than the amount you are going to spend in terms of expenditure.

For example, in terms of income, shopping mall linked P2P lending platform investors visited the P2P lending platform to invest in investment products of the P2P lending platform, and then purchased products from the mall linked to the P2P lending platform. Bring more shopping benefits.

For example, in terms of income, investors in shopping mall-linked P2P lending platform can earn additional goods not originally planned by receiving rewards from shopping malls sold in the mall as well as the interest of investment products invested in the P2P lending platform.

In addition, in terms of spending, an investor in a shopping mall linked P2P lending platform visited a shopping mall linked P2P lending platform for the purpose of purchasing investment products of the P2P lending platform. In the case of purchasing, the amount of money used to purchase the product may be relatively lower than originally planned by receiving a discount rate or an additional discount rate for the designated product in the shopping mall.

The processor 120 may convert the discount rate of the shopping mall product into a return on investment in association with the investment product of the P2P lending platform.

Accordingly, the processor 120 may convert the discount rate of the product into the return on investment, issue an investment return report describing the return on investment, and provide the result to the investor.

For example, when the investment of the investment product of the P2P lending platform, the processor 120 indicates that the product of the shopping mall linked to the investment product now provides an average return of 18.9% at the time of purchase and provides the product information on the product of the shopping mall. Can be.

The processor 120 may provide product information by processing various shopping mall products in the form of an investment report by referring to shopping propensity and preference information for each investor of the P2P lending platform. Here, the shopping propensity and preference information may include a shopping pattern or a shopping cycle.

The processor 120 may perform various comparisons on the value of a product rather than a simple price comparison.

The processor 120 compares the cost, life cycle, product lifespan, and product average for any commodity that will yield a return on investment indicator, for various comparisons of the value of the commodity and the same or similar commodities as well as the value of the commodity Evaluation indicators can be calculated for a number of items, including lifetime, material and material cost.

The processor 120 may compare the essential parts of the product. For example, the processor 120 may express the price part, the sales amount, and the cost in a fun way. Sales volume shows popularity. Therefore, the processor 120 may score the number according to the sales amount. In addition, the processor 120 may include various calculation items for determining the popularity of the product.

The processor 120 may provide a product comparison report differentiated from the existing simple shopping mall by adding elements such as product price comparison, depreciation, and product characteristics.

To this end, the processor 120 may search for various portals with keywords and collect price information and characteristic information of the same or similar products as the corresponding keywords.

The processor 120 parses the collected price information and the characteristic information and updates the parsed information in a database.

The processor 120 may recalculate the ROI index of the corresponding product based on the updated database.

When a purchasing customer decides to purchase a product, each may have a preference for purchasing the product. For example, the preference for purchasing a product may include a price, a specification, a delivery date, and a release point.

Therefore, the processor 120 may group the calculation items for calculating the ROI in accordance with the preference of purchasing the product, and calculate the ROI of the corresponding product by using the grouped calculation items.

The processor 120 may maximize the connection between investment and shopping by providing integrated management of investors and shopping customer information of an investment product of an associated P2P lending platform, and increase a member's loyalty.

The processor 120 may provide accurate and reliable information to both the investor of the linked P2P financial product and the purchaser of the shopping mall by reflecting the sales and purchase reviews of the company located in the shopping mall in the corporate evaluation.

A purchase review in a shopping mall is meaningful to a purchaser, and the sales of the company in the shopping mall may be meaningful to an investor of an investment product of a P2P lending platform.

In the past, only corporate revenue was reflected in corporate valuation, which investors in the P2P lending platform could refer to, and evaluation factors for purchase reviews in shopping malls were not reflected in corporate valuation at all.

However, in order to actually evaluate the future value of the company by the temperature of the company site, the purchase review can be a very realistic evaluation factor.

The processor 120 may rate an evaluation of a company entered in a shopping mall. These corporate ratings may indicate that the products produced by the company are well received.

Product excellence can be revealed indirectly through sales. The purchase and evaluation of users can reveal the excellence of the product and indirectly reveal the credibility of the company producing the product.

The processor 120 may call a product being sold in real time in a corresponding shopping mall as a reward of an investment product of an associated P2P lending platform.

When providing the arbitrary product information, the processor 120 may show how the company has received what evaluation the product has been sold in the past in the shopping mall.

The processor 120 issues an enterprise evaluation form for each shopping mall entry company, and each product information may display an enterprise evaluation form of the corresponding company.

In addition, a detailed view of the company information displayed on any product allows the customer to know what products the company makes and makes purchases as a customer, as well as links to the company of the product being sold in the shopping mall. If there is an investment product in the P2P lending platform, it also provides an opportunity to invest in the investment product or directly invest in the company.

The existence of investment products of a P2P lending platform for any company indicates that the P2P lending platform operating company first verified the reliability of the company. In terms of companies operating a P2P lending platform, just because a company doesn't have money does not necessarily lend it. Loans can be made to firms that are deemed to be capable of developing their own businesses and that they can be developed and repayed.

The processor 120 may also operate a commerce platform that satisfies both the company and the customer who purchases the shopping mall by performing an incentive process for transparent management and quality management to the entry company of the shopping mall.

An example of an incentive process for the company performed by the processor 120 is to display the discount rate of shopping as the return on investment.

When displaying the return on investment, the processor 120 may display a different return on investment according to the shopping taste and preference of each investor.

To this end, the processor 120 may list and display the calculated items of the corresponding ROI. The processor 120 may receive selection information of an investor and select calculation items to be reflected in order to calculate an investment return rate.

Through this, the processor 120 randomly reflects the calculation items set as default values for calculating the return on investment for each product, so that the calculated value that does not reflect the user's preference or characteristic when calculating the return on investment is calculated. Investors can check whether they are coming out. By allowing the processor 120 to feedback and check the investor in this manner, the individual propensities of the investor can be directly reflected and the error of the evaluation engine used in the processor 120 can be compensated or reduced.

For example, a user's taste determined by a calculation item basically set in the processor 120 may not perfectly match 100% of the shopping taste of an actual investor. Accordingly, the processor 120 may modify the calculation item for calculating the return on investment by the actual investor's choice when an error is included in the specific calculation item.

In addition, the processor 120 may give feedback to the entry company to focus more on quality management as the evaluation of the company may be lowered by the purchase review which is one item of the calculation item.

In this way, the processor 120 may operate a commerce platform that can be satisfied by both the entry company of the shopping mall and purchase customers using the shopping mall.

Referring to FIG. 3, the processor 120 may become a shareholder of an entry company that sells a product by purchasing an arbitrary product and promoting the product to investors of investment products of the P2P lending platform and customers who purchase the shopping mall. It can provide an opportunity.

For example, the processor 120 may provide a stock option of an entry company to investment product investors and purchasing customers of the P2P lending platform.

Here, the stock option implies that the company grants the right to the company's employees, etc. to buy their shares at a predetermined price, in accordance with a predetermined price, in order to promote technological innovation and productivity through the acquisition of talented workers.

Accordingly, the processor 120 may apply the concept of the stock option to the sale of the product in the shopping mall to set a target sales amount of the product to the random entry company and pay the stock option set in advance when the target is achieved.

Investment product investors and purchasers of the P2P lending platform can be divided into two categories: general purchasers and shared purchasers. A regular purchaser is a purchaser who is just a purchaser. The shared purchase customer means a purchase customer who has contributed to promotion and sales through his network after purchasing a product.

For example, the processor 120 may pay a reward in a form of dividend to both a general purchasing customer and a shared purchasing customer when the target sales set by the cumulative sales are achieved.

Accordingly, the shared purchase customer may be paid the stock option of the company within the range set according to the contribution of the user.

The processor 120 may set the target sales of the company in stages and may provide a stop auction when the final target sales are achieved.

In addition, the processor 120 may pay a special bonus to all purchase customers as a reward when the purchase customers gather together for the products being sold in the shopping mall.

By doing so, the purchaser can share the link of the product being sold in the shopping mall by the existing shopping mall operation method, and escape from the meaningless promotion that receives points in return.

In other words, the better the product sold in the shopping mall, the greater the credibility of the information if the purchaser who actually purchased the product shares the information of the product to the neighbors with a sense of ownership.

In addition, as a reasonable compensation is provided to the purchasing customers who participated in the purchase and promotion, a sales ecosystem in which both the seller and the purchasing customer can coexist can be established.

4 is a flowchart illustrating a shopping mall linked P2P loan platform operating method according to an embodiment of the present invention.

Referring to FIG. 4, the shopping mall-linked P2P loan platform operating apparatus 100 displays a shopping mall product that can be linked to the corresponding investment product so that an investment return on the investment product of the P2P loan platform can be taken as a shopping benefit of the shopping mall (S10). ).

The shopping mall linked P2P loan platform operating apparatus 100 calculates the financial benefit of shopping for shopping mall products as an investment return index (S20).

The shopping mall linked P2P loan platform operating apparatus 100 provides the calculated return on investment indicator as the return on investment indicator of the investor for the investment product (S30).

When the shopping mall linked P2P lending platform operating apparatus 100 provides the calculated investment return indicator, the shopping mall linked P2P lending platform operating apparatus 100 may convert the discount rate of the product into an investment return and issue and provide an investment return report describing the investment return.

The shopping mall linked P2P lending platform operating apparatus 100 may receive the shopping propensity and preference information of the investor using the P2P lending platform.

When the shopping mall linked P2P lending platform operating apparatus 100 provides the calculated ROI index, the shopping mall product information may be analyzed in the form of an investment report by analyzing the shopping mall product by referring to the shopping propensity and preference information for each investor. Can be.

Although embodiments according to the present invention have been described above, these are merely exemplary, and it will be understood by those skilled in the art that various modifications and equivalent embodiments of the present invention are possible therefrom. Therefore, the true technical protection scope of the present invention will be defined by the following claims.

Claims (5)

Storing, by the shopping mall linked P2P lending platform operating apparatus, investment product information of the P2P lending platform and shopping mall product information that can be linked to each investment product information; A merchandise of an entry company that enters a shopping mall that can participate as a shopping mall purchaser, and the entry company is a lender of a P2P lending platform.)
In order for the shopping mall linked P2P lending platform operating system to bring the return on investment of the investment product of the P2P lending platform to the shopping benefits of the shopping mall, the investor may purchase the shopping mall products of the entry company that is the borrower of the P2P lending platform in the shopping mall. Displaying a shopping mall product of an entry company that is a borrower of the P2P lending platform that can be linked to the investment product and investment conditions of the investment product to be purchased;
The shopping mall linked P2P lending platform operating device invests the financial benefits of shopping for the shopping mall products of the entry company that is the borrower of the P2P lending platform that the investor can obtain when the investor purchases the corresponding products in the shopping mall on favorable terms. Calculating a profit indicator; And
And providing, by the shopping mall linked P2P lending platform operating apparatus, the calculated return on investment indicator as the return on investment indicator of the investor for the corresponding investment product.
Providing the calculated return on investment indicators,
A method for operating a shopping mall linked P2P loan platform that analyzes shopping mall products by referring to shopping propensity and preference information for each investor and provides shopping mall product information processed in an investment report format.
According to claim 1,
The shopping mall linked P2P lending platform operating method further comprises the step of receiving the shopping propensity and preference information of investors using the P2P lending platform.
The method according to claim 1,
Providing the calculated return on investment indicators,
A method of operating a shopping mall linked P2P lending platform that converts a discount rate of a shopping mall product into an investment return and publishes and provides an investment return report describing the return on investment.
delete A data storage unit for storing investment product information of the P2P loan platform and shopping mall product information linkable to each investment product information; (The shopping mall product information is a product of an entry company in which an investor who invests in an investment product of a P2P loan platform enters a shopping mall that can participate as a shopping mall purchaser, and the entering company is a borrower of a P2P loan platform.)
Investment of an investment product to enable the investor to purchase shopping mall products of an entry company, which is a borrower of the P2P loan platform, in a favorable condition in the shopping mall so that the return on investment of the investment product of the P2P lending platform can be taken as a shopping benefit of the shopping mall. Displaying the shopping mall products of the entry company that is the lender of the P2P lending platform that can be linked to the conditions and the investment product, and the lender of the P2P lending platform that the investor can obtain when the investor purchases the goods at favorable conditions in the shopping mall. It includes a processor for calculating the financial benefits of shopping for the shopping mall products of the entry company as the return on investment, and provides the calculated return on investment indicators as the return on investment indicators of the investor for the investment product,
When the processor provides the calculated ROI indicator,
A shopping mall linked P2P lending platform operating system that provides shopping mall product information processed in an investment report form by analyzing shopping mall products by referring to shopping propensity and preference information for each investor.

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